Pima County closing costs
The county-specific transfer tax and deed recording fees for Pima County, Arizona - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0%
- ≈ $0 on a $400,000 home
- Typical lender + 3rd-party fees
- $7,379
- median of 11,063 purchase loans · HMDA 2023
Pima County compared with Arizona counties
In the verified Arizona county records we have, Pima County's effective transfer-tax rate ranks #1 of 3 by highest rate. At $400,000, the county-specific transfer tax is $0, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 3
- within verified Arizona county pages
- Tax at $400,000
- $0
- state baseline $0
- HMDA fee sample
- 11,063
- purchase loans in 2023
Pima County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Pima County
Arizona has NO real estate transfer tax at any level — voters passed Proposition 100 ("Protect Our Homes Act") in 2008, constitutionally prohibiting any new tax, fee, or assessment on the sale/transfer/conveyance of real property after 12/31/2007. Therefore neither Pima County nor the City of Tucson (the major city) levies a transfer/documentary/excise tax. Buyers and sellers split closing costs by custom/negotiation; recording fees are nominal flat charges. Note: AZ formerly required an Affidavit of Property Value (still required for most transfers, with statutory exemptions), but it carries no tax — it is informational for the assessor.
Recording fees in Pima County
Flat $30.00 per document for all instruments except plats and surveys (deeds, deeds of trust/mortgages, releases, etc.) — charged per document regardless of page count, with no per-page or housing/affordable-housing surcharge. Plats and surveys: $24.00 first page + $20.00 each additional page. Government agency documents: $15.00 (or $14.00 first page + $10.00 per additional page for plats/surveys). A $5.00 fee applies to return improperly submitted documents. Arizona standardized recording to this flat $30 per-document fee statewide via HB 2659 (effective 2019).
Official recorder: Pima County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Pima County
Across 11,063 home-purchase mortgages originated in Pima County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,379, of which about $3,433 was the lender’s own origination charges. That is reported loan-level data from every lender under the Home Mortgage Disclosure Act — not a national average — so it reflects what buyers in this county actually paid. Lender fees vary widely, so comparing a few rate quotes is the single biggest lever on your closing total.
Source: FFIEC HMDA Data Browser ↗ (2023 purchase originations, FIPS 04019, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Pima County closing costs
Pre-set to Arizona. County-level taxes above may add to this estimate.
Current source data is loading. Until it finishes, the amount shown is a server-rendered static example and the controls are disabled.
Frequently asked questions
What is the transfer tax in Pima County?
Pima County (Arizona): the applicable real-estate transfer tax works out to about 0%. Arizona has NO real estate transfer tax at any level — voters passed Proposition 100 ("Protect Our Homes Act") in 2008, constitutionally prohibiting any new tax, fee, or assessment on the sale/transfer/conveyance of real property after 12/31/2007. Therefore neither Pima County nor the City of Tucson (the major city) levies a transfer/documentary/excise tax. Buyers and sellers split closing costs by custom/negotiation; recording fees are nominal flat charges. Note: AZ formerly required an Affidavit of Property Value (still required for most transfers, with statutory exemptions), but it carries no tax — it is informational for the assessor.
What are recording fees in Pima County?
Flat $30.00 per document for all instruments except plats and surveys (deeds, deeds of trust/mortgages, releases, etc.) — charged per document regardless of page count, with no per-page or housing/affordable-housing surcharge. Plats and surveys: $24.00 first page + $20.00 each additional page. Government agency documents: $15.00 (or $14.00 first page + $10.00 per additional page for plats/surveys). A $5.00 fee applies to return improperly submitted documents. Arizona standardized recording to this flat $30 per-document fee statewide via HB 2659 (effective 2019).
How much are closing costs in Pima County?
Closing costs in Pima County follow Arizona's structure plus this county's specific transfer-tax and recording fees. Use the calculator below for an estimate; for the exact recording schedule, the county recorder is the authoritative source.
What do lenders charge in fees in Pima County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 11,063 home-purchase mortgages in Pima County were about $7,379, of which roughly $3,433 was the lender's own origination charges. This is reported loan-level data under the Home Mortgage Disclosure Act; actual fees vary by lender, so comparing quotes matters.
Closest Arizona county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.